I had gyno surgery and my out of pocket cost was only like $400-500. Go to your personal physician and complain about the pain. He'll refer you to a plastics guy. who'll submit a request to your insurance. Don't telll them anything!!!! YOU NEVER USED AAS OR SMOKED POT!!!! They can't prove it either way. I wouldn't even admit using prohormones. It just happened and no need to give themk any reason to decline covering surgery. The plastics guy I had says it's abhout 50/50 whether insurance will cover... mine did. I had to pay for lipo so it didn't look like a divet in my chest where gyno was removed.